I want to verify my understanding of the PSLF program and consolidation before I consolidate loans: for PSLF, I understand that a qualifying repayment plan is one of the income-based plans or standard repayment of 10 years.

Looking at my consolidation options, it seems like I should extend the term of my loan to obtain a more affordable payment in case the PSLF is eliminated by proposals/other action that was contemplated this Spring. However, if I extend the term, I worry that I may be ineligible for PSLF if the program remains available based on the “qualifying repayment plan” language.

I will be making IBR payments for the foreseeable future and I am not sure if I will ever be able to afford the payment on the consolidated loan. But, I still want to make a smart choice with consolidation. Is it possible to consolidate all but one Direct Loan, select a 10-year repayment term, and then consolidate the resulting loan with the unconsolidated loan later if PSLF is no longer an option and I need an extended repayment plan? Please advise.